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The 2027 COLA is the biggest raise in 4 years. It's still not enough.
Retirement Planning·8 min read

The 2027 COLA is the biggest raise in 4 years. It's still not enough.

Social Security just announced a 3.6% COLA for 2027, adding about $75 a month to the average check. It is the biggest raise since 2023, yet 76% of older adults already say it falls short. Here is how to build income that inflation cannot quietly erode.

Oct 23, 2026Read Article →
When care costs outrun income: the LTC squeeze on families
Retirement Planning·9 min

When care costs outrun income: the LTC squeeze on families

Long-term care prices are climbing faster than retirement income can keep up, turning adult kids into unpaid caregivers and draining family savings. Here is how affluent families fund care on purpose instead of by accident.

Oct 16, 2026Read →
The 2027 401(k) limit is rising. Here is your plan.
Retirement Planning·8 min

The 2027 401(k) limit is rising. Here is your plan.

The IRS is about to confirm higher 2027 retirement contribution limits. Milliman projects a $25,500 401(k) deferral cap and an $11,750 super catch-up for ages 60-63. Here is how affluent families should plan the window before January.

Oct 9, 2026Read →
The coverage you think you have may not *exist*
Insurance Planning·8 min

The coverage you think you have may not *exist*

LIMRA's newest ownership study exposes a dangerous blind spot: millions of families believe they are protected when they are underinsured or simply unaware of what they own. Here is how to verify your real coverage and close the gap.

Oct 2, 2026Read →
Your 2027 COLA raise has a one-day window to survive
Retirement Planning·8 min

Your 2027 COLA raise has a one-day window to survive

The 2027 Social Security COLA lands October 14. Medicare open enrollment opens October 15. That gives seniors roughly one day to protect a raise that rising Part B premiums could quietly absorb. Here is how to plan around it.

Sep 25, 2026Read →
The Roth catch-up rule high earners can't ignore in 2026
Retirement Planning·9 min

The Roth catch-up rule high earners can't ignore in 2026

A new rule forces high earners 50+ to route 401(k) catch-up dollars into Roth starting in 2026. Here is what changes on your paycheck, why it matters for your tax bill, and the moves affluent families should make before year-end.

Sep 18, 2026Read →
The 100 million American coverage gap is still open
Insurance Planning·8 min

The 100 million American coverage gap is still open

It is Life Insurance Awareness Month, and the newest LIMRA data shows roughly 100 million Americans still lack adequate coverage. Women, Gen Z, and the middle market carry the heaviest load. Here is what the numbers mean and how to close your gap.

Sep 11, 2026Read →
The same LTC coverage can cost you 56% more
Insurance Planning·8 min

The same LTC coverage can cost you 56% more

A 2026 study found identical long-term care coverage priced from $4,591 to $7,173 depending only on the insurer. Same benefits, thousands of dollars apart. Here is how families stop overpaying for the protection they already need.

Sep 4, 2026Read →
Half of America is underinsured. Fix the gap before September.
Insurance Planning·8 min

Half of America is underinsured. Fix the gap before September.

New LIMRA data shows nearly half of Americans are uninsured or underinsured, and most people overestimate the cost of coverage by more than tenfold. Here is what the coverage gap really costs your family and how to close it this month.

Aug 28, 2026Read →
Annuity sales just hit an all-time high. Here's why.
Retirement Planning·9 min

Annuity sales just hit an all-time high. Here's why.

U.S. annuity sales just shattered every record with a $123.9 billion quarter, the best LIMRA has ever tracked. Here is what is driving affluent families toward protected income, and how to decide if the same strategy belongs in your plan.

Aug 21, 2026Read →
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